Fxify vs TopStep
Fxify and TopStep both offer funded trading but their evaluation models differ wildly. Fxify emphasizes flexibility and huge capital limits across many asset classes. TopStep provides rigorous structure and specialized tools specifically for futures traders. We'll show you exactly which prop firm fits your unique strategy best.
Flexible funding backed by exceptional support.
We find Fxify offers exceptional funding flexibility, allowing sophisticated trading strategies like Martingale and Grid EAs without restrictive consistency rules. Their commitment to rapid, on-demand payouts and a refundable fee structure minimizes the risk for serious traders. Overall, Fxify is highly recommended due to its reliable platform and dedication to outstanding customer service.
Pros
- Exceptional and prompt customer support is consistently reported.
- Reliable, on-demand, and timely payout system.
- High degree of trading flexibility (EAs allowed, no consistency rules).
- Challenge fees are refundable upon securing the first payout (1, 2, and 3 Phase plans).
Cons
- Persistent issues reported paying for challenges using a credit card.
- Specific program rules, like drawdown type, may change over time.
- Pricing for Instant Funding and some multi-phase programs are not always explicit upfront.
Structured path to funded futures trading.
We found that Topstep offers a highly structured evaluation process and impressive speed toward funded accounts, sometimes taking only two days. We appreciate the overwhelmingly positive user reports regarding customer service and rapid, reliable payouts. Overall, this is a top-tier option for serious futures traders seeking financial backing and extensive support.
Pros
- Customer support is exceptionally responsive and highly rated by users.
- Payouts are fast, reliable, and frequent (up to four times monthly).
- The TopstepX platform is user-friendly and offers advanced trading tools.
- Clear funding path with reasonable rules (Trading Combine).
Cons
- Ongoing monthly subscription fee required for the evaluation phase ($49–$149).
- A $149 one-time activation fee is required to open the Express Funded Account.
- Some users report that account resets can be costly.
AboutFxify
Fxify is a global proprietary trading firm designed to partner with motivated traders of all experience levels. It allows skilled traders to manage significant amounts of capital through various programs. The firm is backed by decades of brokerage and industry expertise, making it a reliable and sustainable choice. You can choose funding options that include Instant Funding, affordable Lightning Challenges, or comprehensive Evaluation Programs (1, 2, or 3-phase). ✅ Customization is a core element, ensuring your trading environment perfectly matches your specific needs.
AboutTopStep
Topstep has established itself as a reliable source, spending over 12 years funding futures traders. The platform serves dedicated individuals looking to elevate their trading through structure and evaluation. The core program, the Trading Combine®, operates under "1 Rule, 1 Goal": to build discipline and strong habits.
After passing the Combine, you transition to a Topstep Funded Trader™ and begin trading with the firm's capital, allowing you to keep your own funds safe. A major draw is the ability to pay yourself up to four times every month, making the financial incentives very clear. They have already delivered 81,177 payouts to traders in 2024. 💡
Highlights
Feature Comparison
Features Overview
We highlight the main differences and pick a winner for each feature.
Trading Focus & Assets
TopStep is strictly for futures, while Fxify offers diverse markets, including FX and Crypto.
Fxify provides access to over 300 symbols, covering Forex, Gold, Stocks, and Cryptocurrencies. This allows traders great flexibility across global derivatives markets. Fxify also supports multiple popular third-party platforms like MT4 and MT5. TopStep focuses exclusively on futures trading within their highly structured Trading Combine® program. This intense focus allows TopStep to tailor its platform, TopstepX™, specifically for professional futures traders. If your strategy involves multiple asset classes outside of futures, Fxify is the clear choice. TopStep is ideal if you specialize entirely in futures and need relevant support.
Payout Speed & Frequency
Fxify offers truly 'On Demand' payouts; TopStep processes them daily.
Fxify offers industry-leading On-Demand Payouts for funded traders. You can request your first profit share immediately after closing one successful trade. There are zero minimum trading days required to start withdrawing profits with Fxify. TopStep processes payouts daily once you become a Funded Trader™. You can receive payments up to four times each month, which is still highly reliable. However, TopStep requires you to meet a minimum of five winning days greater than $150 to qualify for a withdrawal. For immediate liquidity and fewer hurdles, Fxify's 'On Demand' system is faster.
Evaluation Cost Model
Fxify's fee is refundable; TopStep uses a non-refundable monthly subscription model.
Fxify charges a one-time fee for its 1, 2, and 3 Phase Evaluation plans. Crucially, Fxify reimburses 100% of this fee upon your very first successful payout request. TopStep uses a recurring monthly subscription fee ranging from $49 to $149 to access the Trading Combine®. This fee continues until you cancel or successfully pass the evaluation. After passing, TopStep requires a $149 Activation Fee for the Express Funded Account. Fxify minimizes upfront risk since you get your evaluation money back later, unlike TopStep's ongoing subscription cost.
Trading Freedom
Fxify allows EAs and holds over the weekend; TopStep enforces daily flattening rules.
Fxify grants substantial trading freedom rarely seen in prop firms. You can freely use algorithmic strategies like EAs, Martingale, and Grid trading. Fxify also explicitly permits holding trades over the weekend without penalty. TopStep focuses on disciplined day trading rules for futures. Their system automatically flattens all open trades at the end of the session. You cannot hold overnight positions or use many complex algorithmic strategies easily with TopStep's core model.
Coaching and Community
TopStep offers superior personalized coaching and community resources like TopstepTV™.
Fxify provides valuable external resources, including unrestricted access to Trading Central for expert analysis. Their support is 24/5 and highly praised by users. TopStep excels at continuous trader development and community interaction. Coach T™ provides personalized statistics and tips to improve your performance in real-time. TopStep also fosters a massive online community with free Group Coaching sessions and continuous live market coverage on TopstepTV™. If you need structured, proactive guidance, TopStep is the better choice.
Max Capital Potential
Fxify offers a significantly higher maximum scaling opportunity up to $4 million.
Fxify offers massive growth potential through its scaling plan, reaching up to $4,000,000 in simulated capital. Traders can start with accounts up to $400,000 in the initial evaluation. TopStep's largest single evaluation size offers $150k in buying power. However, funded TopStep traders can manage up to five Express Funded Accounts at once. If you aim to manage one massive $4 million account eventually, Fxify is the clear leader.
Funding Speed
TopStep boasts the fastest potential path to funding, taking just two days.
TopStep’s Trading Combine® is designed for speed, allowing disciplined traders to pass rapidly. You can unlock your Express Funded Account in as little as two successful trading days. Fxify's standard evaluation structure allows unlimited trading days for completion. While this offers pressure relief, it lacks the speed potential of TopStep. If rapid validation and quick access to capital are primary goals, TopStep is better suited.
Customization
Fxify offers deep customization for accounts; TopStep's structure is fixed.
Fxify makes customization a core feature of the checkout process. Traders can use add-ons to boost their maximum profit split up to 90%. You can also increase your standard leverage to 50:1 for FX and Gold via an add-on. TopStep provides three fixed evaluation sizes ($50k, $100k, $150k buying power). The rules and structure of the TopStep Trading Combine® remain consistent across all participants. Fxify gives experienced traders power to design their own evaluation parameters.
Fxify costs between $39 and Not explicitly stated per challenge entry, with five assessment programs: One Phase, Two Phase, Three Phase, Instant Funding, and Lightning Assessment (starting from $59).
Fxify’s structure involves paying a one-time fee to enter an evaluation, which is determined by the specific challenge and the initial capital you choose. Here are the five key programs you can enroll in today.
One Phase Assessment
Price: $250 (for a $5k account, prices vary by account size) Assessment Structure: 1-phase evaluation Best For: Traders who want a streamlined evaluation process. Refund Policy: Fee reimbursed upon first successful payout request. Other Features: Up to $400,000 starting capital available, unlimited days for trading, allows customizing leverage/payout splits.
- 1-phase evaluation structure
- Potential for up to $400,000 starting capital
- Unlimited days for trading
- Reimbursement of fee upon first successful payout
- 2-phase assessment structure
- Unlimited trading days
- Static & Trailing Drawdown options available
- First Payout On Demand
- Up to 90% performance split
- 3-phase assessment structure
- Fee reimbursed upon first successful payout request
- No trading evaluation required
- No targets
- Up to $50K Starting Capital
- Bi-weekly payouts
TopStep costs between $49 and $149 per month with three plans: $50k Buying Power at $49/month, $100k Buying Power at $99/month, and $150k Buying Power at $149/month.
These plans represent the three account sizes available in the Trading Combine® evaluation. This monthly subscription fee locks in your price and continues until you become a Funded Trader or cancel the service.
$50k Buying Power (Popular)
Price: $49 per month Websites Supported: Not explicitly stated Best For: Traders seeking a popular introductory evaluation option. Refund Policy: Not explicitly stated Other Features:
- $3,000 Profit Target
- 5 Contracts Maximum Position Size
- $2,000 Maximum Loss Limit
- $3,000 Profit Target
- 5 Contracts Maximum Position Size
- $2,000 Maximum Loss Limit
- $6,000 Profit Target
- 10 Contracts Maximum Position Size
- $3,000 Maximum Loss Limit
- $9,000 Profit Target
- 15 Contracts Maximum Position Size
- $4,500 Maximum Loss Limit
Pricing Notes
- Fxify provides a 100% refund of the challenge fee for its 1, 2, and 3 Phase Evaluation plans upon the first successful payout.
- TopStep requires a recurring monthly subscription until funding is achieved, which is non-refundable.
- TopStep charges a mandatory $149 one-time activation fee to begin trading with the Express Funded Account.
- Fxify allows customization via add-ons (like increased leverage or profit splits) which modestly increase the one-time entry price.
- TopStep grants a Reset Bank credit with each monthly renewal, allowing traders to restart the evaluation cycle easily.
Pricing Head-to-Head
User Reviews
Fxify maintains an Excellent 4.3 rating on Trustpilot based on thousands of reviews. Users overwhelmingly praise the company’s commitment to trader success and integrity.
A major recurring theme is the truly outstanding customer support. Reviewers frequently highlight that agents are prompt, patient, and professional, often answering queries in minutes.
The challenge purchase was easy, and I successfully used the promo discount. The FXIFY dashboard is extremely helpful for monitoring progress during the evaluation. I am satisfied with their chat support, as they are fast and able to assist quickly.
Topstep maintains a highly positive reputation across thousands of user reviews, reflected by their 4.3-star rating on Trustpilot. Users consistently praise the company’s commitment to trader success, often citing the exceptional speed and responsiveness of their customer support team. Support agents are frequently described as professional, kind, and quick to resolve billing or technical issues. Reliability is a major theme, with many traders emphasizing that payouts are always fast, reliable, and processed on time—a core benefit allowing funded traders to receive payments up to four times per month.
The proprietary TopstepX platform is also repeatedly noted for being user-friendly and feature-rich, including advanced charting and sentiment tools. While the majority sentiment is very positive regarding structure and rules, a few users did mention that the payout system can be slightly complicated to understand initially, and the cost of account resets or the $149 activation fee might be a barrier for some. Overall, Topstep is frequently called the best prop firm in the industry for setting clear rules and offering transparent funding opportunities. 🏆
I’ve traded funded accounts with several firms, and the customer service at TopStep is unmatched. They genuinely care about your success. Special shoutout to Julia who helped me resolve a complex account issue quickly.
Our Verdict
Deciding between Fxify and TopStep comes down to your asset class and tolerance for rules. If you value flexibility across FX, Gold, and Crypto, Fxify is the winning choice. If you live and breathe futures trading within a high-structure environment, TopStep is unbeatable. Fxify’s superpower is granting the trader maximum freedom and return potential. You can use EAs, hold trades over the weekend, and customize your account with a 90% profit split. Crucially, your evaluation fee is fully refundable when you land your first payout with Fxify. TopStep excels in providing structure, rapid funding, and futures specialization. You can potentially pass the Trading Combine® in just two days for lightning-fast funding access. TopStep also offers superior community resources like personalized coaching from Coach T™ and live market analysis on TopstepTV™. The deciding factor is the cost structure and trading style. Fxify eliminates financial risk with its refundable fee and offers huge $4 million scaling potential. TopStep requires ongoing monthly payments but quickly validates your ability to trade disciplined futures strategies. Choose Fxify if you use complex strategies or need capital above $1 million. Choose TopStep if you are a disciplined futures day trader looking for the best coaching available.
Frequently Asked Questions
Which firm is better for algorithmic trading (EAs): Fxify or TopStep?
Fxify is definitively better for algorithmic traders needing EAs or Martingale strategies. Fxify explicitly permits the use of these advanced strategies without restriction. TopStep's structure requires daily trade flattening, making sophisticated automated overnight strategies impractical.
Are the challenge fees cheaper with Fxify or TopStep?
Fxify offers better long-term value because the fee is 100% refundable upon your first payout. TopStep uses a recurring monthly subscription ($49–$149/mo) which is non-refundable. TopStep also charges a one-time $149 activation fee after you pass the evaluation.
Which firm offers a faster path to becoming a funded trader?
TopStep offers a faster potential funding path, allowing traders to pass the Combine in as little as two days. Fxify's standard evaluation offers unlimited trading days to reduce pressure. However, TopStep is designed for maximum speed if you prove consistency quickly.
Can I trade assets other than futures with TopStep?
No, TopStep’s Trading Combine® is specifically designed and optimized for futures trading. Fxify provides maximum flexibility, allowing you to trade FX, Gold, Crypto, and more. If you need multi-asset access, Fxify is the required choice.
How do Fxify and TopStep compare on available trading capital?
Fxify offers a much higher maximum scaling opportunity, potentially reaching $4,000,000 in simulated capital. TopStep’s largest single account size is $150k buying power. However, TopStep allows you to manage up to five funded accounts simultaneously.
Does TopStep offer personalized coaching like Fxify does?
TopStep provides superior personalized coaching tools like Coach T™ for real-time performance feedback. Fxify offers support and access to market insights via Trading Central. TopStep’s focus on community and education is more extensive.
Ready to Choose?
Both tools have their strengths. Choose based on your specific needs.